Since 1912, we at Liberty
Mutual have committed ourselves to providing broad,
useful and competitively-priced insurance products
and services to meet our
Our delivery on this commitment is the reason we're now the 5th largest
P&C insurance company in the United States, why we've earned an A.M. Best
Co. ‘A' (Excellent) rating, and why we have the breadth, depth and financial
strength that you can always depend on - in the United States and around the
world.
Rated A by A.M Best

Through our subsidiaries,
Tower Group Companies delivers a broad range of
product lines across various industries using multiple
distribution channels in select market segments. Specifically,
we provide insurance products to individuals and
small- to medium-sized businesses through a dedicated
team of retail and wholesale agents. We also offer
specialty products on an admitted and non-admitted
basis, as well as specialty services through a
growing network of program underwriting agents. With
an A- (Excellent) rating from A.M. Best Company*,
we are recognized for financial strength and our
proven ability to deliver innovative solutions
that consistently meet the needs of our
customers.
Rated A- by A.M. Best

Today, the Utica National
Insurance Group is among the top 100 insurance
organizations in the nation, and our products include
a wide range of commercial and personal coverages.
In addition, we are a nationally
recognized insurer for various specialized markets,
including coverages for the Graphic Communications
industries, Errors & Omissions coverages for
insurance agents and brokers, and more.
Rated A- by A.M. Best

As the 7th largest U.S. commercial
insurer and the 13th largest U.S. property & casualty
insurer, we provide insurance protection to more
than one million businesses and professionals in
the U.S. and internationally.
Businesses can rely on CNA's financial
strength and stability. CNA is highly rated for financial
strength by all the major independent rating agencies.
We maintain a strong balance sheet - the financial
foundation of any insurance company - through a conservative
investment philosophy and an ongoing, disciplined
evaluation of assets and liabilities. CNA is well
positioned to withstand the challenging conditions
in the financial and insurance markets.
Rated A by A.M. Best

Fireman's Fund Insurance
Company began in 1863, in San Francisco, and our
name reflects our colorful beginnings.
Fireman's Fund is an innovative
company that you can count on. Since the rating agency's
role is to inform policyholders about the ability
of companies to pay claims, both short-term and long-term,
it's important to our business that we consistently
be an "A" rated company. The major rating agencies
are A.M. Best, Moody's and Standard & Poor's,
each with its own coding system. And in each case,
our ratings are among the highest ranking levels.
Rated A by A.M. Best

Founded in 1937, Progressive
Insurance is one of the country's largest and fastest
growing insurance groups. In fact, we wrote a total
of more than $14 billion in premiums during 2006,
and more than $7.8 billion in personal lines insurance
premiums through independent agencies.
Rated A+ by A.M. Best

Adirondack Insurance Exchange
is a full-service property-casualty insurance company
focused exclusively on New York. The company is
rated A (Exceptional) by Demotech, Inc. , a longtime
provider of Financial Stability Ratings ® of
property-casualty insurance companies. Demotech's
ratings are recognized by Fannie Mae, Freddie Mac
and the Department of Housing and Urban Development
(HUD). In partnership with local independent insurance
agents, we focus on providing innovative products
and value-added services.
Rated A by A.M. Best

Encompass may not be a
household name, but we've been around for a long
time. We work with more than 3,200 independent
insurance agents who deliver quality products and
services that can fit your needs. A few facts to
get to know us better:
• A national company with a
local focus, serving more than 1.3 million customers
• 1,750 employees dedicated to help meet your insurance needs
• An all-time-high overall claims customer satisfaction rating, 95.6%
Rated A+ by A.M. Best.

With $78 billion in assets, ACE serves a diverse group of clients including
individuals and families with substantial assets to protect, local businesses
in countries throughout the world, multinational corporations with complex
property and casualty exposures, and insurance companies looking to reinsure
their portfolios.
Rated A+ by A.M. Best and Standard & Poor's.

Travelers is one of the largest providers of property and casualty insurance
products in the United States. Our success is built upon our ability to provide
innovative insurance and risk protection products and services in-synch with
our customers' needs.
Rated A+ by A.M. Best.

We are a property and casualty insurance company located in central New York
that employs over 1,000 dedicated insurance professionals. Our company was
founded in 1899 by my great grandfather, VanNess DeMar Robinson. Our family,
now in its fourth generation, continues to manage NYCM, providing the same
service and security this company was built on over 100 years ago.
Rated A+ by A.M. Best.

Selective Insurance Group, Inc. is a holding company for seven property and
casualty insurance companies rated “A+” (Superior) by A.M. Best. Through independent
agents, the insurance companies offer primary and alternative market insurance
for commercial and personal risks, and flood insurance underwritten by the
National Flood Insurance Program.

Zurich Financial Services (www.zurich.com) is an insurance-based financial
services provider with a global network that focuses its activities on its
key markets in North America and Europe. Founded in 1872, Zurich is headquartered
in Zurich, Switzerland.
Rated A by A.M. Best.

Utica First Insurance Company was founded by local Utica, New York businessmen
in 1903 as Utica Fire Insurance Company of Oneida County, NY to serve the property
insurance needs of the upstate New York residents. It has developed from that
small base into a company which actively writes business in the states of New
York, Connecticut, Massachusetts, New Jersey, Ohio, Pennsylvania, and Virginia.Rated
A by A.M. Best.

For more than 125 years, the Chubb Group of Insurance Companies has been delivering
exceptional property and casualty insurance products and services to businesses
and individuals around the world.
Rated A++ by A.M. Best.

We began our journey in 1928, when two men who shared a dream of providing
a quality insurance product at a reasonable price opened the doors to the Farmers
Automobile Inter-Insurance Exchange in Los Angeles. In the eighty years that
followed, we've grown and adapted to meet the changing needs of Americans -
but one constant has remained. We have an unwavering commitment to upholding
the ideals with which we began by providing industry-leading products and services
to the customers we're privileged to serve.
Rated A by A.M. Best.
Over the past century, GNY has grown to become one of the nation's pre-eminent
specialists in providing business insurance for the commercial real estate,
habitational and hospitality industries. Simply roll over the dates at the
left for highlights from our history.
Rated A+ by A.M. Best.

Since the very beginning, Foremost has strived to offer the insurance products
our customers want. We created a passionate culture of quick-thinking and decisiveness
that continues to help us create coverages, find new markets, and develop superior
ways to serve our customers.
Rated A by A.M. Best.

Since 1946, American Commerce Insurance Company (ACIC) has become one of America's
leading suppliers of personal lines insurance.
ACIC is built on a foundation of superior service to customers and agents alike.
For over sixty years, we've listened very carefully to what customers want
from an insurance company. We've learned how to gain their business and confidence,
and how to keep it. ACIC is rated "A+" (Superior) by A.M. Best... one of the
oldest and most reputable insurance company rating organizations in the world.
Our home office is located in Columbus, Ohio with two state-of-the-art Claims
Centers located in the eastern and western portions of the country.
Rated A+ by A.M. Best.

Whether you experience a fender-bender or something more serious like the loss
of a home, you can count on our personalized service and thoughtful claims
resolution. We work hard to uphold our reputation every single day.
Rated A by A.M. Best.